Your Retirement, Your Way
Retirement is meant to be a breeze, but planning for it is no laughing matter. It’s important to have everything you need in place so you can enjoy the retirement you want, not the one you settle for. Your Retirement, Your Way, the show from Gary Garland and Integrated Wealth Solutions, is the resource you need to plan your retirement with you in mind. Listen each week as Gary cuts through the jargon and gets to the heart of financial developments and shifts in the marketplace. Through Gary’s twenty-five years of experience, you’ll find the know-how and professional insight to help you make the best retirement decisions. After all, it’s your retirement – why not do it your way? For more information go to www.iwfamily.com
Episodes
Rising Treasury yields have investors nervous, but could they actually create new opportunities for retirees? In this episode of Your Retirement, Your Way, Gary Garland breaks down what rising interest rates mean for stocks, bonds, CDs, and retirement income planning. He explains why higher yields can pressure the stock market while potentially benefiting retirees through increased income opportunities and alternative strategies. G...
Losing a spouse is heartbreaking, but what if the financial aftermath creates an even bigger surprise than most families expect? In this episode of Your Retirement, Your Way, Gary Garland explores the often-overlooked tax consequences of becoming a surviving spouse. From shrinking tax brackets and lost deductions to Social Security changes, required minimum distributions, and Medicare IRMAA surcharges, Gary explains why many widows...
What happens to your estate plan when a child's rocky marriage threatens the inheritance you worked a lifetime to build? In this episode of Your Retirement, Your Way, Gary Garland tackles a real-world question from an 84-year-old widow concerned about protecting her daughter's inheritance from a potential divorce. Gary explains the difference between wills and trusts, common beneficiary mistakes, the risks of adding children to dee...
What can today's retirees learn from Warren Buffett's famous advice to “be fearful when others are greedy and greedy when others are fearful?” In this episode of Your Retirement, Your Way, Gary Garland explores the timeless investing principles that helped make Warren Buffett one of the most successful investors in history. From avoiding emotional decision-making and tuning out market noise to understanding sequence of ...
What if the biggest inheritance you leave behind becomes your children's biggest headache? In this episode of Your Retirement, Your Way, Gary Garland explores the realities of passing down the family home and why it isn't always the gift parents think it is. From capital gains rules and inherited property taxes to family dynamics, maintenance costs, and long-term care planning, Gary explains the financial and emotional factors that...
What’s the one retirement question you’re afraid to ask and could the answer change everything? In this episode, Gary Garland explores the questions many retirees never ask, from whether they’re truly on track for retirement to understanding fees, fiduciary responsibilities, investment strategies, and estate planning decisions. Gary explains why asking better questions often leads to better outcomes and why a good...
What if the hardest part of retirement isn’t saving money, but learning how to spend it? In this episode, Gary Garland explores the challenge many retirees face when they transition from decades of accumulating assets to actually using them. He discusses common fears around watching account balances decline, the impact of sequence of returns risk, and strategies for creating income streams designed to support retirement goals...
Are your financial decisions being driven by strategy or by emotion? In this episode, Gary Garland uses the concept of Pavlov’s dogs to explain how investor behavior can be triggered by headlines, fear, and hype. The conversation explores why reacting to market noise, timing trends, or following popular advice can lead to costly mistakes. Gary also breaks down key retirement decision points: from income strategies to market w...
Is the American Dream still within reach, or is it getting more expensive than ever? In this episode, Gary Garland breaks down the rising cost of life’s biggest milestones, from homeownership to retirement, and why income plays a critical role in financial stability. The conversation explores how retirement expenses, taxes, and healthcare needs can create unexpected gaps if not planned for early. Gary also highlights the impo...
What if living longer is the biggest financial risk you’re not fully prepared for? In this episode of Your Retirement, Your Way, Gary Garland explores how longevity, and the uncertainty around it, can reshape retirement planning. He discusses why lifespan, lifestyle choices, and unexpected health events make retirement costs difficult to predict, and how running out of money remains a top concern for retirees. The conversatio...
What if the biggest tax bill of your life is waiting quietly in your retirement accounts? In this episode of Your Retirement, Your Way, Gary Garland breaks down Required Minimum Distributions (RMDs) and why they can impact far more than just your taxes. He explores how RMDs affect income, tax brackets, Medicare premiums, and even the legacy you leave behind, along with why timing and strategy matter long before withdrawals begin. T...
The timeline for Social Security shortfalls just moved closer—and that uncertainty has many retirees asking hard questions. In this episode of Your Retirement, Your Way, financial planner Gary Garland unpacks what it could mean if Social Security benefits are reduced sooner than expected. The conversation explores how much retirees and pre‑retirees should rely on Social Security, why “salt versus steak” matters in...
Fraud is no longer rare—and retirees are increasingly becoming prime targets.
In this episode of Your Retirement, Your Way, estate planning attorney and financial advisor Gary Garland discusses how scams are evolving and what individuals can do to protect themselves. From romance scams and impersonation calls to insider threats and AI‑driven fraud, the conversation highlights real‑world examples and practical safeguards. G...
Can you really convert to a Roth IRA without paying taxes—or is that a red flag? In this episode of Your Retirement, Your Way, Gary Garland breaks down a MarketWatch question about a so‑called “secret” Roth conversion strategy and explain why claims like these deserve closer scrutiny. The conversation explores how Roth conversions actually work, the tradeoffs involved, realistic timelines for tax break‑even, and w...
What if your retirement expectations are “double‑stuffed”—but the reality comes up short? In this episode of Your Retirement, Your Way, Gary Garland unpacks the gap between what retirees expect and what actually shows up, using everything from Oreo math to market returns as real‑world metaphors. He explores how fees, taxes, inflation, Social Security taxation, healthcare costs, and market volatility can quietly er...
Most people have strong opinions about annuities—yet many aren’t sure what they actually are. In this episode, Gary Garland breaks down the different types of annuities and why lumping them together often leads to confusion and costly misunderstandings. The conversation explores how annuities work, where they may fit inside a broader retirement strategy, and why some products carry more complexity and expense than other...
Divorce after 55 isn’t just a personal decision—it can quietly rewrite your entire financial future. In this episode, we explore the realities of gray divorce and how later‑life separation can reshape retirement timing, taxes, income, housing, and long‑term lifestyle. Host Gary Garland discusses why standards of living often decline, how legal and tax complexities add pressure, and why planning matters before, during, a...
Most people don’t realize they’re missing a financial roadmap until something breaks. In this episode, financial planner and estate planning attorney Gary Garland walks through what a real financial plan looks like — and why many families are operating without one. The conversation explores income planning, asset alignment, taxes, risk tolerance, and legacy, with candid examples of common missteps hiding in portfo...
Most families don’t fall apart over money – they fall apart over silence. In this episode, estate planning attorney and financial professional Gary Garland breaks down the essential documents every adult needs and why they matter far beyond dollars and cents. From wills and trusts to healthcare directives and powers of attorney, Gary explains how these tools shape real-life moments when emotions run high and decisions m...
What if simplifying your retirement plan could actually give you more control? In this episode, host Gary Garland reveals how cutting through financial complexity can reduce confusion, tax drag, and costly mistakes. Discover why consolidating accounts, streamlining income strategies, and managing taxes are key steps for retirees. Gary shares real stories and practical advice on balancing diversification with simplicity, integ...
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